A strategic framework for e-business value creation : an empirical investigation on e-banking in Jordanian banking services industry (e-TOEECLN model)‎

Dissertant

Alawinah, Ali Ahmad

Thesis advisor

Hattab, Izz al-Din Shakir Hasan

Comitee Members

Kayid, Ahmad A.
al-Shaykh, Asim A. R.
al-Ahmad, Walid Arafah

University

Arab Academy for Financial and Banking Sciences

Faculty

The Faculty of Information Systems and Technology

Department

Department of Management Information Systems

University Country

Jordan

Degree

Ph.D.

Degree Date

2008

English Abstract

This thesis describes a quantitative post-positivist research in the field of e-business, more specifically, in value creation through carrying out e-business in banking services industry (banking).

For banks managers, the value creation is one of the most important issues in formulating e-business strategies.

Moreover, value creation in e-business is one of the most important issues in deciding about e-business component investments and that value is a construct that is hard to define and even harder to model and understand.

However, a problem for managers, investors and researchers is to understand the value of these strategies and their links to performance improvements.

This study aims at helping to develop our understanding of the e-business value as an outcome for carrying out e-business in the banking services industry, a sector where the lack of empirical academic studies is striking due to the novelty of the phenomenon.

The research addresses this dilemma by developing an integrative theoretical framework named “e-TOEECLN” model, for assessing e-business conduct and value creation in the banking services industry (i.e., e-banking), beyond initial adoption.

This study might be the first to demonstrate the theoretical value of integrating TOE framework, e-value driver's model, in conjunction with a two Internet capabilities reach and richness.

The findings contribute to the unsettled debate on IT value—in this case, in the e-business environment.

This framework could be applied by researchers to study other complex information systems in different settings.

It is expected that employing e-TOEECLN model will enhance the value creation potential from carrying out e-business in the banking services industry, through investigating and assessing the sources, drivers, and the Internet capabilities of a bank’s web site that may affect and shape the value created.

Through instrument development and hypothesis testing, our study has identified 14 factors within the e-TOEECLN framework As far as we are aware, this is the first time that such a rich database has been assembled for assessing factors affecting e-business value.

A set of hypotheses is generated from the framework and a survey instrument constructed to empirically test the hypotheses.

A self-administered questionnaire was delivered to 200 employees in 7 Jordanian banks.

Confirmatory analyses were used to check the constructs and multiple linear regression, simple linear regression and MANOVA analysis were used to test the set of hypotheses.

Our empirical analysis demonstrates several key findings: (1) within the e-TOEECLN framework, technology readiness or competence is found to have significant influence on the e-business value in banks, as far as it is strong facilitator of e-business value.

(2) Bank size, IT / Business strategy alignment, and availability of online revenues are found to have significant influence on the e-business value in banks, while financial resources commitment and adequacy of IT professionals do not contribute significantly to e-business value.

(3) Both the competition intensity and regulatory support environment contribute significantly to value creation of e-business in banks.

(4) Together the efficiency, complementarities, lock-in and novelty drivers contribute significantly to value creation of e-business in banks.

(5) Richness is found to have significant influence on the e-business value in banks, while reach do not contribute significantly to e-business value.

(6) The experience of the bank in applying banking services on the web is found to have significant influence on the e-business value in banks, as far as it is strong facilitator of reaping value.

These findings indicate the usefulness of the proposed research model and theoretical framework for studying e-business value creation in banks.

They indicate that majority of the banks report that their involvement in business has led to improvements in such indicators as sales-services-marketing, internal operations, and coordination & communication.

Apparently, e-business value creation in Jordanian banks has been–and is-high.

They also provide insights for both banks business managers and policy-makers.

Main Subjects

Business Administration

Topics

• Banks
• Management
• Electronic commerce
• Jordan
• Banking
• Electronic banking services

No. of Pages

213

Table of Contents

• APA
• MLA
• AMA

Language

English

Data Type

Arab Theses

Record ID

BIM-306153